What do you need to buy a standard flood policy?

An agent will need a copy of your elevation certificate. The elevation certificate, based on a land survey conducted by a surveyor, lists the details of your home in relation to the flood plain that you live in. When you buy a home, request a certificate from the seller or talk to your real estate agent about it. One other thing: Flood insurance must be paid in full at the time of purchase.

Last Updated: February 15, 2013

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